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50/50 payment plan

You pay 50% in instalments while the project is under construction and the remaining 50% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

50%
50%

Why buyers choose it

  • Payments track construction, so cash leaves in stages rather than up front.
  • A larger handover share keeps more of your capital working elsewhere until completion.
  • Developer plans usually carry no interest, unlike a mortgage drawn from day one.

What to check

  • The handover payment is one large sum — decide how you will fund it, mortgage or cash, before you book.
  • A construction delay moves the handover date, not your instalment dates during construction.
  • Booking amounts, instalment dates and late-payment terms differ per project — read the sales agreement.

At handover the remaining balance is due before keys and title transfer. A mortgage on an off-plan unit is normally arranged in the final months before completion, and UAE banks generally finance up to 50% of the price for expatriate buyers.

Worked example

  1. 50%During construction 750,000
  2. 50%On handover 750,000

Amounts are in AED and exclude the 4% Dubai Land Department fee, Oqood registration, agency fees and service charges unless the developer's offer says otherwise.

376 projects currently offer this plan

Developer Deal
Origami Development

Soma Residences

Origami Development

Dubai Islands, Dubai, UAE

Special Discount: 5%Explicit broker commission incentive for SOMA Residences in Dubai Islands.

From

1,670,000

Handover

Q4 2028

Payment Plan

50/50

Down Payment

20%

Developer DealOn Sale
Iman Developers

113 Residences

Iman Developers

Al Sufouh 1, Al Sufouh, Dubai, UAE

Special Discount: AED 100,000 BonusAn explicit AED 100,000 agency bonus is available when 5 units are closed, creating a higher-tier broker incentive.
Special Discount: AED 100,000A cash bonus of up to AED 100,000 is explicitly advertised as a sales incentive.
Special Discount: AED 50,000 BonusAn explicit AED 50,000 agency bonus is available when 3 units are closed, providing a direct broker sales incentive.

+2 more

From

1,800,000

Handover

Q2 2029

Payment Plan

50/50

Down Payment

20%

Developer DealOn Sale
Wadan Developments

Tresora by Wadan

Wadan Developments

Hyati Avenue, JVC District 14, Jumeirah Village Circle (JVC), Dubai, UAE

Special Discount: 15%Tresora inventory in JVC has an explicit 15% purchase-price discount when paid 100% upfront.

From

670,000

Handover

Q1 2028

Payment Plan

50/50

Down Payment

20%

Developer Deal
Tarrad Development

Celesto 3

Tarrad Development

Manchester Grand Hotel, Dubai Land Residence Complex (DLRC), Dubai, UAE

Post HandoverHalf of the property price, AED 299,000, is explicitly scheduled for payment upon key handover in Q3 2028.

From

550,000

Handover

Q3 2028

Payment Plan

50/50

Down Payment

20%

Developer Deal

The Collection at Taiyo

LMD Continental Investments

Wasl Gate, Dubai, UAE

Special Discount: 6%Explicit 6% commission incentive associated with The Collection at Taiyo.

From

675,000

Handover

Q1 2028

Payment Plan

50/50

Down Payment

20%

Developer DealOn Sale
Beyond

Soulever Towers

Beyond

Anwa by Omniyat, Dubai Maritime City, Dubai, UAE

Special Discount: 2%Current BEYOND first-time-home-buyer offer for eligible direct customers, with a 2% property-price discount on off-plan units, one year of free service charges, one-day early access before official sales launches, and a 50% during construction / 50% on handover payment structure. A DLD first-time-home-buyer QR code or certificate is required; terms apply.

From

2,530,000

Handover

Q3 2028

Payment Plan

50/50

Down Payment

—

Developer DealOn Sale
Leos Development

Knightsbridge

Leos Development

Mohammed Bin Rashid City (MBR City), Dubai, UAE

Post HandoverThe 60/40 structure explicitly defers 40% of the purchase price over two years after handover, a material cash-flow feature for buyers.

From

7,940,000

Handover

Q3 2027

Payment Plan

50/50

Down Payment

10%

Developer Deal
Azizi

Azizi Ruby

Azizi

Hyati Avenue, JVC District 14, Jumeirah Village Circle (JVC), Dubai, UAE

Special Discount: 4%A 4% purchase discount is advertised for Ruby.

From

1,114,000

Handover

Q1 2028

Payment Plan

50/50

Down Payment

10%

Developer Deal
One Development

Laguna Residence

One Development

City of Arabia, Dubai, UAE

Special Discount: 50%A limited 50% down-payment cashback offer is stated for the next eligible unit, creating a material purchase incentive. The source does not clarify whether the percentage applies to the full purchase price or the down payment amount.

From

825,000

Handover

Q4 2027

Payment Plan

50/50

Down Payment

20%

Developer Deal
IGO

Pelagos by IGO

IGO

Dubai Marina, Dubai, UAE

DLD Waiver: 4%The artwork explicitly states a DLD waiver for Pelagos by IGO Dubai Marina.
Special Discount: 4%The artwork states a 4% commission for Pelagos by IGO Dubai Marina.

From

1,130,000

Handover

Q1 2026

Payment Plan

50/50

Down Payment

20%

Developer Deal
Aqua

The Central Downtown

Aqua

Al Barsha, Dubai, UAE

Special Discount: AED 50,000 BonusAn explicit AED 50,000 sales bonus is advertised for a 3-bedroom sale.
Special Discount: AED 50,000Cash bonus offer for 3-bedroom units.
Special Discount: AED 40,000 BonusAn explicit AED 40,000 sales bonus is advertised for a 2-bedroom sale.

+5 more

From

943,272

Handover

Q4 2028

Payment Plan

50/50

Down Payment

10%

Developer Deal
Azizi

Azizi Sakandar

Azizi

Al Furjan, Dubai, UAE

Special Discount: 4%A 4% purchase discount is advertised for Sakandar.

From

1,054,000

Handover

Q2 2027

Payment Plan

50/50

Down Payment

10%

Payment plan questions

Is the payment plan the same for every unit in a project?
Usually, but developers can vary booking amounts and instalment dates by launch phase or unit type. The project page shows the plan we hold; confirm the schedule in the sales and purchase agreement.
Can I get a mortgage on an off-plan payment plan?
Yes — typically for the handover payment. UAE banks generally finance up to 50% of an off-plan purchase price for expatriates, with the construction-stage instalments paid from your own funds.
What happens if I miss an instalment?
The sales agreement sets the grace period and any penalty, and Dubai Land Department rules allow a developer to terminate after prolonged default. Read the agreement and keep a buffer ahead of each date.
Does the plan include DLD fees and service charges?
No. The 4% DLD registration fee, Oqood registration, agency fees and annual service charges are separate unless the developer's promotion says otherwise.